WAUNA

Charter #17990 | OR

100M-500M (1077 CUs) Micro
18 100M-500M in OR

WAUNA has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 26.2% in tier
  • + Organic Growth Leader: Top 26.7% in tier
  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.43% above tier average
  • + Fee Income Per Member: Top 2.3% in tier
  • + Total Loans: Top 4.8% in tier
  • + Total Deposits: Top 6.6% in tier
  • + Total Assets: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 15.5% in tier
  • - Indirect Auto Dependency: Bottom 32.6% in tier
  • - Efficiency ratio 0.45% above tier (higher cost structure)
  • - Asset Growth Rate: Bottom 4.2% in tier
  • - Net Worth Ratio: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 26,632
+1.1% YoY+0.6% QoQ
 +11.0K 15,628
-3.4% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 Top 10.4% in tier
Assets $408.4M
-4.5% YoY-1.7% QoQ
 +$177.1M $231.3M
-0.0% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 Top 10.0% in tier
Loans $311.4M
-1.8% YoY-0.1% QoQ
 +$163.6M $147.8M
-1.4% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 Top 4.9% in tier
Deposits $370.9M
-0.1% YoY+2.0% QoQ
 +$170.6M $200.3M
-0.0% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 Top 6.7% in tier
ROA 0.9%
+898.0% YoY+16.2% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 4.0%
+22.0% YoY+2.8% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 74th in tier
Efficiency Ratio 77.7%
-13.1% YoY-1.2% QoQ
 +0.4% 77.3%
-3.0% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 53rd in tier
Delinquency Rate 0.8%
-16.8% YoY-15.9% QoQ
 -0.0 0.9%
+7.6% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 61st in tier
Loan To Share 83.9%
-1.7% YoY-2.0% QoQ
 +11.2% 72.7%
-1.5% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $25,620
-2.0% YoY+0.5% QoQ
 +$1K $24,363
+2.9% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 23.4%
-12.5% YoY+1.4% QoQ
 -1.0% 24.4%
+4.2% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 15.5%
-16.6% YoY-4.4% QoQ
 +1.5% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#481 of 603 • Top 26.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.12%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.89%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 15.51%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#353 of 430 • Top 26.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.12%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (2)

Shrinking Wallet Share

decline
#155 of 244 • Bottom 15.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.03%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#524 of 525 • Bottom 32.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -4.55%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 15.51%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.12%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

26
Fee Income Per Member
profitability
Value: $351.86
Peer Avg: $174.31
#26 of 1077 Top 2.3% in 100M-500M tier
53
Total Loans
balance_sheet
Value: $311.39M
Peer Avg: $147.80M
#53 of 1077 Top 4.8% in 100M-500M tier
72
Total Deposits
balance_sheet
Value: $370.93M
Peer Avg: $200.29M
#72 of 1077 Top 6.6% in 100M-500M tier
108
Total Assets
balance_sheet
Value: $408.43M
Peer Avg: $231.30M
#108 of 1077 Top 9.9% in 100M-500M tier
112
Total Members
engagement
Value: 26,632
Peer Avg: 15,628
#112 of 1077 Top 10.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1033
Asset Growth Rate
growth
Value: -4.55%
Peer Avg: 4.70%
#1033 of 1077 Bottom 4.2% in 100M-500M tier
991
Net Worth Ratio
risk
Value: 8.49%
Peer Avg: 12.15%
#991 of 1077 Bottom 8.1% in 100M-500M tier
955
Members Per Employee (MPE)
engagement
Value: 231.583
Peer Avg: 332.881
#955 of 1077 Bottom 11.4% in 100M-500M tier
953
AMR Growth Rate
growth
Value: -2.03%
Peer Avg: 3.64%
#953 of 1077 Bottom 11.6% in 100M-500M tier
883
Deposit Growth Rate
growth
Value: -0.15%
Peer Avg: 4.69%
#883 of 1077 Bottom 18.1% in 100M-500M tier
831
Net Charge-Off Rate
risk
Value: 0.65%
Peer Avg: 0.47%
#831 of 1077 Bottom 22.9% in 100M-500M tier